Summary
Whether you’re a roofing contractor with a small crew or a trade owner looking to grow, understanding workers’ compensation is essential to staying compliant, protecting your team, and avoiding costly penalties. This guide breaks down what you need to know about workers comp for Florida roofers and contractors—from legal requirements to costs and money-saving tips.
Introduction
Running a roofing company or small trade business in Florida comes with unique challenges. Between the physical risks of the job and the strict state regulations, workers’ compensation insurance is one of the most important coverages you can have. In fact, Florida singles out construction trades—including roofing, carpentry, drywall, HVAC, painting, and more—as high-risk industries where workers comp is required, often starting with just one employee.
Whether you’re a roofing contractor with a small crew or a trade owner looking to grow, understanding workers’ compensation is essential to staying compliant, protecting your team, and avoiding costly penalties. This guide breaks down what you need to know about workers comp for Florida roofers and contractors—from legal requirements to costs and money-saving tips.
👉 Need fast help? Call Scott Mauldin at 407-781-1609 for a same-day workers comp quote designed for you.
Why Workers’ Compensation Is Critical for Roofers and Small Trade Businesses
Roofing and construction trades consistently rank among the most dangerous jobs in the U.S. A single slip from a ladder or heat-related injury can result in thousands of dollars in medical bills. Workers’ compensation insurance provides two vital protections:
- For employees: Covers medical treatment, rehabilitation, and lost wages if they’re injured on the job.
- For business owners: Shields you from lawsuits and financial losses tied to workplace accidents.
For roofing contractors, where fall risk is high and Florida’s year-round heat compounds workplace dangers, workers comp isn’t just a requirement—it’s a lifeline for your business.
Florida Workers’ Compensation Requirements for Roofers and Contractors
Florida’s rules are strict for construction-related businesses:
- Roofing contractors and all construction trades: Workers’ comp is required if you have one or more employees, including yourself as the owner if you’re not exempt.
- Subcontractors: Must show proof of workers’ comp coverage or a valid exemption before they can legally work on a job site.
- Penalties for non-compliance: Heavy fines, stop-work orders, and potential personal liability for uncovered claims.
If you’re asking questions like “Do roofers in Florida need workers comp?” the answer is almost always yes.
👉 Have more questions about workers comp? Call Scott Mauldin at 407-781-1609 for fast, friendly help.
How Much Does Workers Comp Cost for Roofers in Florida?
Workers comp premiums are calculated based on class codes, payroll, and your business’s safety record. Roofing contractors fall under some of the highest-rated codes due to injury risks.
Key factors that influence cost:
- Class codes (NCCI): Roofing (5551), carpentry (5645), drywall (5445), electrical (5190), HVAC (5537), etc.
- Payroll: Higher payroll = higher premiums.
- Claims history: Businesses with fewer claims can qualify for discounts.
- Safety programs: Florida offers credits for drug-free workplaces and certified safety programs.
As a ballpark, small roofing contractors may expect workers comp rates several times higher than lower-risk trades. But with the right strategy, you can manage these costs effectively.
How Workers Comp Protects Your Roofing or Trade Business
- Covers employee medical bills and lost wages after an accident.
- Protects your business from lawsuits that could otherwise come out of pocket.
- Improves credibility: Homeowners and general contractors often require proof of insurance before hiring.
- Keeps you compliant with Florida law—avoiding fines or stop-work orders that can halt your business.
Without coverage, one injury could bankrupt a small contractor. With it, you have a safety net for your employees and your company.
Tips for Lowering Your Workers Comp Premiums
Even in high-risk trades like roofing, there are ways to reduce your costs:
- Work with an independent agent who can shop multiple carriers (not just one).
- Implement safety training for employees, especially fall-prevention.
- Take advantage of credits for a drug-free workplace program.
- Accurately report payroll—overestimating means overpaying.
- Bundle coverages (general liability, commercial auto, tools & equipment) with workers comp for better overall pricing.
FAQ: Workers Comp for Roofers & Small Trade Owners in Florida
Do roofers in Florida need workers comp?
Yes. Construction businesses—including roofing—must carry workers comp with one or more employees.
What happens if I don’t have coverage?
The state can issue stop-work orders, levy fines, and hold you personally liable for employee injuries.
How much does workers comp cost for roofers?
Costs vary by payroll, claims history, and class code, but roofing has some of the highest rates in Florida due to fall risks.
Does workers comp cover subcontractors?
Subcontractors must carry their own coverage or provide a valid exemption; otherwise, you may be liable for them.
Next Steps: Protect Your Business Today
If you’re a roofing contractor or small trade business owner in Florida, workers comp isn’t optional—it’s essential. But navigating the options and finding an affordable policy takes expertise.
That’s where we come in. Sun Insurance Services has been protecting Florida contractors for over 20 years. We know the markets, the rules, and how to keep costs manageable for small businesses.
☀️ Get a same-day workers comp quote today.
- Call Scott Mauldin at 407-781-1609
- Email us at scott@suninsuranceservices.com
- Or request a quote online
Protect your crew, protect your company, and keep your jobs moving forward with confidence.